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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $392,700 | $185,312+111.9% | $161,489+143.2% | $154,746+153.8% |
| Participation rate | 25.0% | 82.5%-57.5pp | 78.7%-53.7pp | 80.7%-55.7pp |
| Annual return | 20.35% | 103.84%-83.5pp | 89.72%-69.4pp | 172.34%-152.0pp |
| Employer contribution / active EE | $600 | $4,769-87.4% | $4,268-85.9% | $4,379-86.3% |
| Participant deferral / active EE | $5,750 | $6,350-9.4% | $5,630+2.1% | $6,730-14.6% |
| Admin fee / account holder | $1,647 | $18,654-91.2% | $16,006-89.7% | $14,365-88.5% |